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Tow Truck Insurance Arnold Pennsylvania

WIN Admin — Tue, 01 Aug 2023 21:10:30 +0000

If you own a towing business in Arnold Pennsylvania you understand the importance of reliable and efficient tow trucks to keep your operations running smoothly. However, along with your critical services, it’s crucial to protect your business with the right insurance coverage. Tow truck insurance is designed to safeguard your assets, employees, and customers, providing peace of mind in the face of unforeseen risks.

Understanding Tow Truck Insurance

Tow truck insurance is a specialized type of commercial auto insurance tailored to the unique needs of towing businesses. Traditional auto insurance may not adequately cover the risks associated with towing operations, so it’s essential to have a comprehensive tow truck insurance policy in place.

Coverage Options

Liability Insurance: This is the foundation of any tow truck insurance policy. It covers bodily injury and property damage liability in case your tow truck is involved in an accident that results in injuries or property damage to others.

Physical Damage Coverage: This option protects your tow trucks from damage resulting from collisions, theft, vandalism, or natural disasters. It ensures that your valuable assets are protected and can be quickly repaired or replaced, minimizing downtime.

On-Hook Towing Coverage: This coverage protects the vehicles your tow truck is hauling. In an accident or damage during transportation, on-hook towing coverage provides the necessary financial protection.

Garagekeepers Insurance: If you operate a towing business with a storage lot, garage keepers insurance can be vital. It covers damages to customers’ vehicles while they are stored at your premises.

Medical Payments Coverage: In case of injuries you or your employees sustained during an accident, medical payment coverage can help cover medical expenses.

Do you need better options for Tow Truck Insurance?

Call 1-800-998-0662 to speak with an agent, or you can also chat with us through our website for added convenience. Click on our chat button, and you will promptly be connected to one of our Tow Truck Insurance Agents, available until 8 PM.

Or use our link below to request a quote:

Tow Truck Insurance Quotes

The post Tow Truck Insurance Arnold Pennsylvania first appeared on Pathway Insurance.

Tow Truck Insurance Reading PA

WIN Admin — Thu, 23 Aug 2018 01:20:54 +0000

Tow Truck Insurance Reading PA — For Super Low Rates Call Now!

If you’re on the hunt for lower prices on Tow Truck Insurance in Reading Pennsylvania and the surrounding areas you have come to the exact right place!

Call 1-800-998-0662 to speak with one of our Commercial Truck Insurance Specialists and we can help you obtain the quotes and coverage you need to keep you on the road or, in the case of new business ventures, to get you started!

Pathway is a leading independent agency offering Tow Truck Insurance in Pennsylvania and across the United States in many states.

We also make it super convenient to get in touch with one of our licensed agents by phone, by chat, or via our online quote request system.

If you’d like to use our online quote request system please take a quick look at the areas below and choose the link closest to your geographic location. Click on the link and this will take you to our online form, Complete a few details, submit your information, and quite soon you will receive a call from one of our licensed agents.

Tow Truck Insurance Reading Pennsylvania — Recap — New Business Venture Part 4!

To review, Joey Pinky, owner of Pinky Wonky Towing, added a new driver to his previous Pennsylvania Tow Truck Policy who just so happened to have a number of tickets and accidents on his record. To be truthful, Joey had no idea Booger McGee had that kind of bad driving record until he got a HUGE bill that jacked his rates up by a little over $2,000 per month!

After cussing out his old agent, Joey decided to get a new one. He conveniently left Booger off of his new policy, though, setting in motion a chain of events that would lead to him losing his business down the road.

Before we get to that part of the story, let’s review what happened the day after Joey got his new policy without Booger being listed on the new Pennsylvania Tow Truck Policy Joey just bought.

After his first tow of the day, Booger peeled out down the road while texting his girlfriend and didn’t see a car pull out in front of him until it was too late!

Booger crashed into Nelly, an 81 year-old retiree who had just left her doctor’s office.

Fortunately, Nelly was not injured but her 2001 Saturn was destroyed. Nelly didn’t mind so much, though, because she was in the market for getting a new car anyway. Booger just made it easier for Nelly to make that move.

Tow Truck Insurance Reading Pennsylvania — New Business Venture Claim Scenario Part 4!

A County sheriff’s deputy named Barney arrived a few minutes later. He takes statements from both Booger and Nelly, asking Booger to provide proof of insurance. Booger looks in the glove compartment box of the tow truck, sees the insurance ID card for the truck, and hands it off to deputy Barney who promptly writes down the information in his report.

The deputy writes out a note to Nelly, providing her the name of the insurance company and the policy number along with Booger’s information. He walks over to the tow truck where Booger is standing and hands him a failure to yield citation.

Booger is a little mad at getting a ticket and wonders if his new boss, Joey, will reimburse him for the ticket since he is on the clock.

Booger next offers to tow Nelly’s wrecked Saturn to the impound lot, She readily agrees, so Booger calls it in to Joey, advising him he picked up a job on his way back to the shop. Booger did not explain to Joey at the time that he was the reason why he was towing another car to the impound lot.

After hooking Nelly’s car up, Booger is back at the impound lot 15 minutes later and drops off Nelly’s car. Nelly’s son is waiting for her at the impound lot.

Booger apologizes to Nelly for hitting her vehicle. She tells him not to worry and gives him a hug and a $5 tip.

Booger starts to head back to Pinky Wonky Towing and, prior to making it there, he gets a radio call from Joey sending him over to Cindy Jones who is on the other side of town and needs her car towed to the mechanic as it has broken down.

Booger meets Cindy and safely transports her minivan to Arts & Craft Mechanics, then immediately gets another call to pick up yet another disabled vehicle back on Main street.

Booger cares for that tow with no problems and for the next three hours is kept busy with a variety of runs until 3:30 rolls around. Then he has his second accident of the day.

We’ll learn about that one in our next post. Click on Upper Darby Pennsylvania Tow Truck Insurance to get started on the next piece.

Tow Truck Insurance Reading Pennsylvania — Call Pathway Right Now!

If you’re looking for a good deal on Tow Truck Insurance in Reading Pennsylvania or any of the surrounding areas call Pathway Insurance by dialing 1-800-998-0662 or use our convenient online chat system that’s available until 8 PM Monday through Friday.

There’s one additional option to reach out to us for quotes and information. Look below to see hyperlinks and click the link closest to your geographic location of your business. By clicking the link you will be taken to a quote request form.

Fill out a few details and one of our agents will get back with you soon.

The post Tow Truck Insurance Reading PA first appeared on Pathway Insurance.

Tow Truck Insurance Erie Pennsylvania

WIN Admin — Wed, 22 Aug 2018 01:26:15 +0000

Tow Truck Insurance Erie Pennsylvania — Lock in Super Low Rates!

Want to lock in super low rates for Tow Truck Insurance in Erie Pennsylvania or the neighboring areas? Then you better call a Pathway agent right now by dialing 800-998-0662!

We at Pathway specialize in offering great options for Tow Truck Insurance in Pennsylvania, Ohio, Maryland, West Virginia, Virginia, South Carolina, Georgia, Florida, Alabama, Mississippi, Tennessee, Kentucky, Indiana, Michigan, Illinois, Wisconsin, Minnesota, Colorado, Missouri, New Mexico, Texas, Arizona, and Alaska.

You can reach us by phone Monday – Friday until 5 PM EST, or until 8 PM EST by using our chat system.

In addition, you can contact us through our online quote request system by picking a link below that is close to your business location:

It’s easy to make a mistake on your Tow Truck Insurance in Erie Pa, and for this reason we make up fictitious claim scenarios to illustrate steps you want to avoid.

Let’s catch up on the account involving Joey Pinky, owner of Pinky Wonky Towing.

Tow Truck Insurance Erie Pennsylvania — Recap — New Business Venture Part 2!

Joey Pinky owner of Pinky Wonky Towing added a new driver to his policy two weeks ago and was shocked to receive a bill for $2,000 for doing so.

The driver, one Booger McGee, (his first name is actually Robert. Don’t ask us to explain why his nickname is Booger…) is a horrible driver with a lead foot but he owns a rather good radar/laser detector that has kept his moving violations quite a bit lower than what they should be. Thank goodness they made those traffic cameras illegal, he thinks.

When Joey added Booger to his Commercial Tow Truck Insurance policy, the underwriter runs his MVR report and considers cancelling the entire account because of the one driver. However, he notices that Pinky Wonky Towing hasn’t had any claims up until this point. So, instead of cancelling the policy, he slaps on a hefty surcharge, resulting in the $2,000 per month increase.

Joey flies into a rage when he sees the bill, calls and speaks to a customer service representative at the agency, gives Ted both barrels and, five minutes later, hangs the phone up.

Joey then gets busy looking for a new insurance company by pulling out his trusty and somewhat dusty Yellow Pages.

Joey finds a new insurance company and conveniently leaves Booger off the new policy, assuming that the policy would have to cover all drivers regardless if they are listed or not.

Good move or bad move to leave Booger off the policy? Let’s find out.

Tow Truck Insurance Erie Pennsylvania — Claim Scenario — New Business Venture Part 3!

The very first day after Joey secures a new policy from the new company without Booger McGee as a listed driver, Booger has his first accident of the day at about 10:30 in the morning, after dropping off a damaged car at the impound lot. Booger is driving Joey’s new tow truck, a brand new F350 converted wrecker.

Let’s see how the accident occurred. Right after leaving the impound lot, Booger peels out, heading north until he turns left on Main street about a mile down the road. Booger presses down on the gas and was cruising down Main Street 25 miles over the posted speed limit (his radar/laser was working just fine: no cops in sight) when Nelly Shenanigan, an 81 year-old retiree driving a 2001 Saturn, turned right onto Main Street after leaving her doctor’s office.

Booger was distracted because he was texting his girlfriend at the time and noticed at the last second the dark blue Saturn had pulled out onto main street.

Booger stamps down on the brake pedals with both feet and unfortunately doesn’t have enough room to avoid crashing into Nelly. Nelly’s Saturn is hit square in the back and, because of the height difference between the tow truck and Nelly’s small car, the Saturn spins completely around two times, giving Nelly a bad case of vertigo once she is able to exit her car.

Other than being a little dizzy, Nelly is uninjured and is in good spirits because she had been wanting to get a new car anyway. Why, this nice young man driving a tow truck has given her a golden opportunity to get a new car. There is no chance the Saturn can be repaired.

Booger’s Tow truck is unscathed due to the protection from the heavy-duty steel grill on the front of the truck.

What happens next? Stay tuned to our next article which you can read by clicking Tow Truck Insurance Reading Pa

Tow Truck Insurance Erie Pennsylvania — Great Rates for Great Companies!

Looking for great deals on Tow Truck Insurance in Erie PA? Reach out to the knowledgeable agents of Pathway Insurance by dialing 1-800-998-0662 up until 5 PM EST through the work week or use our convenient online chat system when it is activated to speak with an agent up until 8 PM EST.

The final way to reach us, around-the-clock, is by sending us a quote request through our online portal by clicking a link that corresponds to the area closest to your business:

The post Tow Truck Insurance Erie Pennsylvania first appeared on Pathway Insurance.

Upper Darby Pennsylvania Tow Truck Insurance

WIN Admin — Mon, 20 Aug 2018 17:46:49 +0000

Upper Darby Pennsylvania Tow Truck Insurance — Great Rates & Service!

If you’re looking for great rates and service for Tow Truck Insurance in Upper Darby Pennsylvania and the surrounding areas then there’s only one name and telephone number you should call:

Pathway Insurance — 1-800-998-0662.

You can reach a Pathway agent Monday through Friday up until 5 PM EST by phone. You can also reach a licensed agent by using our chat system up until 8 PM EST.

The final way to get in touch with one of our licensed agents is simply by sending us a quote request through our automated system.

Below you will find links that you can choose to get the quote that you are interested in in the area in which you operate.

Upper Darby Pennsylvania Tow Truck Insurance — Making This Mistake on Your Insurance Will Cost You!

In a series of articles, we have discussed a fictitious individual by the name of Joey Pinky. Joey is the owner of Pinky Wonky Towing.

Joey has made a very serious error on his Pennsylvania Tow Truck Insurance, one that will ultimately cost him his business and the good livelihood he has established for himself. We will get into the particulars of how this happened in future articles and what you can learn from this mistake.

However, the mistake Joey made is actually quite a common mistake made by Tow Company Owners. That is, not properly disclosing all drivers operating covered vehicles.

Sometimes Tow Company Owners make this mistake intentionally to avoid paying extra premiums. Others make the mistake because they simply assumed that their insurance policy would cover any person driving their covered vehicles.

In our fictitious claim scenario, Joey got mad because he received a massive rate increase on his Pennsylvania Tow Truck Insurance Policy after he added one driver by the name of Booger McGee, who has a very bad driving record.

That is another mistake Tow Company Owners make: failing to run a simple MVR report on a possible new hire.

So, let’s sum up briefly the mistake Joey made. Number one, he failed to run a motor vehicle report on his new hire, Booger McGee. If he would’ve run that motor vehicle report he would have discovered that Booger was an absolutely awful driver.

People who rack up that many tickets and accidents over a short period of time simply don’t know how to drive, don’t care, or are oblivious to their actions.

In either case, Booger was exactly the wrong person for Joey to hire.

The same is true for your company. If you hire a driver who has tickets or accidents, you are going to pay significantly more money for your Pennsylvania Tow Truck Insurance, which will decrease your profits. Is that a logical move as a business owner?

The second mistake Joey made is getting mad at his insurance company because they raised his rates for adding Booger to his policy. He decided to purchase a brand-new policy and left Booger off from that new policy.

Is that the insurance company’s fault or is it Joey’s fault for hiring such a bad driver?

Obviously, the fault clearly lies at Joey’s feet. Insurance companies base their premium rate charges for Pennsylvania tow truck insurance in the same manner that they do in all other states.

It’s based on what is on the driving record of each driver, the age of the drivers, the location of the business or where they operate out of principally, the value of the trucks, the amount of coverage and deductibles, and whether or not they need filings if they cross state lines.

There are some other factors we have not mentioned that will impact Pennsylvania Tow Truck Insurance Rates.

As a word of advice, never, under any circumstances, leave out of your policy a driver who operates any of your covered vehicles. You will regret it later.

To catch up on our claims scenarios and the story line involving Joey, visit the following articles in order:

Part One — Tow Truck Insurance Pittsburgh Pennsylvania

Part Two — Tow Truck Insurance Allentown Pennsylvania

Part Three — Tow Truck Insurance Erie Pennsylvania

Part Four — Tow Truck Insurance Reading PA

Upper Darby Pennsylvania Tow Truck Insurance — Low Rates for Great Companies!

Call 1-800-998-0662 if you meet the following criteria:

If you are a well-established company with a relatively claim-free record, we have great news for you: we may be able to save you a significant amount of money on your Tow Truck Insurance in Upper Darby Pennsylvania and throughout the state of Pennsylvania, for that matter.

If you are a legitimate brand-new business with a clean driving record we can also help you save money compared to a company that pretends to be a new business venture, or a company with multiple accidents and claims on their record.

We can also help those who have made major mistakes on their insurance. Yes, you’re going to pay for it in terms of high premium dollars, but we can coach you and guide you to avoid making insurance blunders in the future.

Call us today, chat with one of our licensed agents online, or use our convenient online quote request system by choosing a link that you see below closest to your business location:

The post Upper Darby Pennsylvania Tow Truck Insurance first appeared on Pathway Insurance.

Tow Truck Insurance Canton Ohio

WIN Admin — Tue, 31 Jul 2018 20:14:38 +0000

Canton Ohio Tow Truck Insurance – Choose an Independent Agency!

Why should you choose an independent agency when looking for Tow Truck Insurance in Canton Ohio?

Independent insurance agencies are not beholden to any one insurance company, which means they have the ability to shop the insurance market for all the best rates being offered by their insurance partners at any given time.

How does that help you? Because it means we can provide you with multiple options so you can choose a policy that suits your needs, whether that means lower rates, improved coverage, or both!

Request a free quote over the phone by dialing 513-662-7000 or 800-998-0662 Monday through Friday between 9:00 am and 5:30 pm or by clicking on a location near you from those listed below.

By clicking on a location, you will be taken to our quotes page where you can request a free quote 24/7.

Recap of Our Previous Entry

Previously, Sammy Swanson continued to rack his brain for a way to make his towing company stand out from the crowd and return his business to the profits and growth it once enjoyed.

When his car broke down while on a trip with his family in another state, Sammy experienced how frustrating it was to have to wait a long time for a tow truck to arrive from the perspective of the customer instead of from the perspective of the towing company.

This gave him an idea…

Canton Oh Tow Truck Insurance – Sam’s Super Speed Towing Part 3

Even though the market in his home town is saturated, Sammy knew from experience that it was still quite common for a customer to experience a long wait before a tow truck can reach them.

Though Sammy knows that speedy arrivals are tough to guarantee during the busy parts of the day, he thought that this might be the niche he could aim for to differentiate his towing business from all the others and retain customers.

He decides to refocus and rebrand his towing operation as the fastest in town, and it will all start with a name change.

After thinking it over, Sam resolves to change his company’s name to Sam’s Super Speed Towing.

“It will take more than a name change to become the quickest responders in town, though” Sammy thinks to himself.

What else will he change about his company? Find out in Part 4.

Tow Truck Insurance Canton Oh – Call or Click Today!

Better coverage may simply be a call or click away!

Call 513-662-7000 or 800-998-0662 or click below to request a free quote online!

The post Tow Truck Insurance Canton Ohio first appeared on Pathway Insurance.

Tow Truck Insurance Parma Ohio

WIN Admin — Tue, 31 Jul 2018 20:01:38 +0000

Parma Ohio Tow Truck Insurance – Contact the Ohio Tow Truck Insurance Experts!

Don’t settle for less when it comes to finding great rates on Tow Truck Insurance in Parma Ohio.

Contact the Ohio Tow Truck Insurance experts at Pathway Insurance Services!

Our experienced insurance agents are ready to take your calls at 513-662-7000 or 800-998-0662 every Monday through Friday from 9:00 am to 5:30 pm EST.

You can also request a free quote by chatting with an agent online (just click the yellow sticky note image at the bottom-right of your screen!) or by filling out the form that appears when you click on your location among the options below:

Recap of Our Previous Entry

In Part 3 of Sam’s Super Speed Towing, Sam finally came to a decision about the direction he wants to take his towing business in order to remain competitive in his home town market.

He decides to focus on making his company known for arriving on the scene faster than anyone else.

He begins this refashioning of his company by changing its name to Sam’s Super Speed Towing.

Parma Oh Tow Truck Insurance – Sam’s Super Speed Towing Part 4

Sam gets to work on implementing the changes that will be necessary to make good on the company’s new promise of being faster to respond to a customer in need of a tow than any other in the area.

After changing the name of the company, the next change Sam makes is to the company’s hours of operation.

Instead of offering towing services around the clock, he instead opts to limit operating hours to the chunk of the day that has traditionally been the busiest.

By sacrificing late night hours, Sam hopes that he can increase his workforce during the day by putting those drivers on the road during the busy hours.

In theory, this will make it easier for Sam’s Super Speed Towing to be able to guarantee that a driver will arrive to pick up a customer’s vehicle faster than the competition.

More changes are on the horizon, though. Find out what they are in Part 5!

Tow Truck Insurance Parma Oh – Don’t Forget About Our Online Options!

If you decide that you would like to request a free quote from Pathway Insurance Services, don’t forget about our online options!

Remember, in addition to calling an agent at 513-662-7000 or toll-free at 800-998-0662, you can also reach out to us online via our chat system.

Additionally, you can request a free quote by clicking on your location below and filling out the form that will appear.

We look forward to hearing from you!

The post Tow Truck Insurance Parma Ohio first appeared on Pathway Insurance.

Tow Truck Insurance Dayton Ohio

WIN Admin — Mon, 30 Jul 2018 20:14:36 +0000

Dayton Ohio Tow Truck Insurance – Quality Coverage and Service!

Looking for quality coverage and customer service when it comes to Tow Truck Insurance in Dayton Ohio or the surrounding locales?

Call the office of Pathway Insurance today at 513-662-7000 or dial 800-998-0662 to contact us free of charge.

Our agency is open for business every Monday through Friday between the hours of 9:00 am and 5:30 pm EST.

In addition to contacting us through traditional channels, you can also reach us online in either of two ways: Via our online chat system or by filling out our online quote request form.

To contact us through our digital chat system, click on the chat widget at the bottom-right of your screen and let the agent know what you’re looking for. He or she will put you in touch with a licensed agent as soon as possible. This service is available until 8:00 pm EST weekdays and until 5:00 pm EST on the weekends.

To access our digital quote form, click on your location among the links provided below. You can utilize this service at any time of the day or night and on any day of the week!

Click now to get started:

Recap of Our Previous Entry

In our last article we introduced Sammy Swanson, owner of a towing business called Sam’s Superior Towing.

We learned that although Sam’s Superior Towing did pretty well during the first few years of operation, business began to flag as more and more competition popped up in the area.

Sam decided he needed to make some changes so that his towing company would stand out in the saturated market.

Dayton Oh Tow Truck Insurance – Sam’s Super Speed Towing Part 2

While Sam continued to think about how to save his business he went on a weekend trip to a neighboring state.

His car broke down during the trip and he had no choice but to call a tow truck. He and his family then proceeded to wait for over almost an hour before the tow truck arrived.

Having run a towing business for a long time, Sam understood why it was sometimes very difficult to dispatch a truck to a customer in a timely manner, but he had never experienced it from the perspective of a customer before.

This gave Sam an idea…

Find out what Sam is cooking up in Part 3!

Tow Truck Insurance Dayton Oh – We Look Forward to Speaking with You!

Our agents are standing by to take your call.

Give us a ring at 513-662-7000 or 800-998-0662 and tell us what it is you need.

We look forward to speaking with you!

Click below to start your free quote right now:

The post Tow Truck Insurance Dayton Ohio first appeared on Pathway Insurance.

Tow Truck Insurance Akron Ohio

WIN Admin — Sun, 29 Jul 2018 20:13:59 +0000

Akron Ohio Tow Truck Insurance – Call Pathway Today at 513-662-7000!

If what you seek is better rates and options on Tow Truck Insurance in Akron Ohio or the outlying areas then you ought to give Pathway Insurance Services a call right away!

You can reach us by phone at 513-662-7000 or toll-free at 800-998-0662.

To alert a licensed agent about your search for improved coverage for Akron Tow Truck Insurance online click on the chat feature located at the bottom corner of this page and let us know that you would like to talk with an agent right now.

You can also request a quote online by filling out the form that appears when you click on one of the locations below:

Recap of Our Previous Entry

Last week we talked a bit about how excessive amounts of claims can lead to extremely costly outcomes for towing businesses (and any business that needs Ohio Commercial Auto Insurance, for that matter).

In particular, we emphasized how having your company’s insurance policy cancelled can be detrimental to your bottom line in more ways than one.

We also promised to present you with a fictitious claims scenario, loosely based on real-world examples, that will illustrate how well-intended business practices can end up costing business owners big money due to increased claims activity.

So, without further ado, let’s begin with Part 1!

Akron Oh Tow Truck Insurance – Sam’s Super Speed Towing Part 1

Sammy Swanson has owned a towing business in his home town for many years.

When he first opened for business, the company was called Sam’s Superior Towing.

Sam only had a few competitors back in those days, so business and growth were pretty good for the first few years of operation.

That slowly started to change, however. Within just a few short years, several new competing towing operations sprung up in the area, and Sam’s Superior Towing felt the financial hit and lack of growth.

After a couple years of falling profits, Sam decided it was time to make a change.

“If I don’t do something to make my towing business stand out over the competition I don’t think this company is going to last much longer” he said to his wife one night while talking about the situation over dinner.

Sam thought long and hard about how he could improve his business in ways that would lead potential customers to choose his operation over all the others.

What will Sam choose to do? Find out in Part 2!

Tow Truck Insurance Akron Oh – Compare Rates Today!

To compare rates between multiple insurance providers call us today at 513-662-7000 or 800-998-0662 or request an estimate by clicking one of the options below:

The post Tow Truck Insurance Akron Ohio first appeared on Pathway Insurance.

Tow Truck Insurance Cleveland Ohio

WIN Admin — Sat, 28 Jul 2018 20:14:40 +0000

Cleveland Ohio Tow Truck Insurance – Compare Rates Today!

Are you a towing business owner on the lookout for better rates on Tow Truck Insurance in Cleveland Ohio?

Want to compare rates between your current coverage and some excellent coverage options being offered by top insurance providers in the area?

If so then call Pathway Insurance today at 513-662-7000 direct or toll-free at 800-998-0662 and speak with a licensed Pathway Agent.

We can provide you with Ohio Tow Truck Insurance rate comparisons from multiple commercial auto insurance companies.

To reach out to us after business hours you can fill out a free quote request online any time!

To open the quote form click on one of the locations listed below pertaining to your location.

Tow Truck Insurance Cleveland – Reduce the Risk of Claims!

At Pathway Insurance, we like to provide our clients and prospective clients with useful tips that aim to help them save money by avoiding certain activities that often prove expensive for businesses.

In general, any activity that is likely to lead to an increase in filing insurance claims, even covered claims, should be avoided.

Why?

When a towing business files lots of claims in a relatively short period of time, this can result in their insurance policy provider increasing the business owner’s insurance rates.

Rack up enough claims and your rates could be raised to unsustainable levels.

Worse yet, the insurance company may decide to cancel your insurance policy altogether!

A policy cancellation is bad for more than one reason.

The first and most obvious reason is that your company’s vehicles are no longer insured, meaning you have to halt operations until you can find a new policy.

Another reason a policy cancellation should be avoided at all costs is that it becomes much harder to find an insurance company willing to provide you with a policy, let alone an affordable policy.

If your policy is cancelled you may have to resort to purchasing high-risk trucking insurance, which can be very expensive, indeed.

In next week’s article we are going to begin a series which explores this topic in more detail using a fictional scenario.

Our goal is to demonstrate how a company can put policies into place that might seem like good business practices on paper but in reality wind up costing them huge sums of cash in the long run.

Don’t miss it!

Tow Truck Insurance Cleveland Oh – Contact Us Today!

Call 513-662-7000 or 800-998-0662 or request a quote online by visiting our quotes page which can be reached via the following links:

The post Tow Truck Insurance Cleveland Ohio first appeared on Pathway Insurance.

Tow Truck Insurance Pittsburgh Pennsylvania

WIN Admin — Fri, 27 Jul 2018 18:26:57 +0000

Tow Truck Insurance Pittsburgh Pennsylvania — Low Rates for Good Companies!

If you’re looking for a good deal on your Tow Truck Insurance in Pittsburgh Pennsylvania there’s only one number you need to keep on your speed dial: 1-800-998-0662.

Pathway Insurance is a leading independent agency offering exceptional pricing for Tow Truck Insurance in Pittsburgh Pennsylvania and all of the surrounding areas.

Call us right now, use our online chat system to speak with a licensed agent, or send us a request for quotes around the clock by clicking any of the links you see listed below. Make sure to choose the link closest to your location:

Tow Truck Insurance Pittsburgh Pennsylvania — How Do You get Good Pricing?

Just how do you get good pricing on Tow Truck Insurance in Pittsburgh Pennsylvania?

Excellent question, and the answer is actually not all that difficult.

Companies that qualify for the best pricing on Pennsylvania Tow Truck Insurance have the following characteristics:

has had continuous insurance coverage for three years or longer
zero claims last five years
never pays their insurance bill late
has never had an insurance lapse
pays their insurance bill in full for the year
all drivers have a clean motor vehicle report
no safety violations
owns newer trucks
owner has excellent credit

Those who pay the most for their Pennsylvania Tow Truck Insurance follow this pattern:

they are a new venture
they have plenty of accidents and claims turned in
they have had lapses in insurance coverage
they pay their bill late
they try to pull the “new business venture” scam
they offer repo
they disguise their company as a towing company when they are actually an auction auto hauler or hotshotter
they need unlimited mileage of radius coverage
owner lies on the insurance application
owner hides trucks
owner doesn’t disclose all drivers
owner hires drivers with multiple tickets and accidents on their MVR record

What’s interesting is that the difference in pricing between those who pay the least amount of money and those who pay the most is striking.

A towing company, no matter if it’s offering for-hire towing that includes roadside assistance or towing that is provided through contracts via motor clubs with a spotless record, could qualify for rates as low as $3500 per truck with physical damage coverage and $1 million of liability coverage.

For the opposite side of the spectrum, rates may start at $25,000 per truck if an insurance company is willing to insure them!

Companies that are legitimate new ventures with a clean driving record will not qualify for the lowest rates for Pennsylvania Tow Truck Insurance but the rates may not be insurmountable.

Over time, the new business venture will qualify for better rates as long as they are free of any tickets or accidents.

As an agency we have witnessed many mistakes tow owners have made on their Pennsylvania Tow Truck Insurance, and we use claims scenarios to help educate our readers on practices to avoid. Let’s now continue part 3 of Jimmy Jam Towing.

Tow Truck Insurance Pittsburgh Pennsylvania Claim Scenario – Jimmy Jam Towing Recap of Part 2

In our previous article, which you may read by clicking this link: Tow Truck Insurance Philadelphia, we find Jimmy Jamison having a few beers with his friends and discussing his current employment situation.

Within the last month or so, Jimmy had lost his factory job for missing too many work days. Jimmy wasn’t an early riser, and with his propensity to stay up all night long partying with his friends he would inevitably come to work late or call off sick.

So, Jimmy loses his job and also fails to qualify for unemployment benefits. He is flat broke and forced to move in once again with dear old mom and dad.

Jimmy really is very lazy but he is a likable sort of guy. His closest friends rib him about his irresponsible streak and help him out for some inexplicable reason. Tonight is no exception; they are trying to get Jimmy a job he can keep.

Jimmy’s friend “Tiny” Tim Hester suggests he try being a tow truck driver. Sitting down all day appeals to Jimmy’s lazy side so he is interested.

“Tiny” puts Jimmy in touch with his uncle Carl, whom everybody calls him Brub, and they make arrangements to meet at the 62 Bar on the east side at 4 PM. Let’s now find out what happens next.

Tow Truck Insurance Pittsburgh Pennsylvania Claim Scenario – Jimmy Jam Towing Part 3

Surprisingly, Jimmy is able to meet at the 62 bar 15 minutes before his appointment and sits down at the table near the back where he can watch those entering the bar. He motions for the barmaid to bring him a beer and begins to nurse it as he waits for his appointment.

A few patrons come and go. Jimmy looks at his watch. He was sure Brub agreed to meet him at 4 PM. Jimmy glances at his watch for maybe the fifteenth time. It’s now 20 after 4. Jimmy thinks to himself that he just got stood up.

Jimmy decides he’s going to call “Tiny”. He pulls out his phone from his pocket and he notices that Brub actually texted him to tell him he would be 15-20 minutes late. Jimmy forgot to turn on his phone.

With a sigh of relief, Jimmy looks up after reading the text and sees a man enter the bar and begin to look around. Jimmy waves to the man on the off chance its Brub. The mans nods and walks over to Jimmy.

“You Jimmy?” the rather tall, maybe 6’4, middle aged man inquires.

“Yep, that’s me. “I’m guessing you’re Brub?” Jimmy replies.

“One and the same. What are you drinking?” Brub asks. Jimmy tells him. He walks over to the bar and returns with two beers.

“So, Tiny tells me you want to get into the towing business, yeah?” Brub asks.

“Maybe. Depends on what it pays and the hours. I’m guessing you own a tow company?” Jimmy asks.

“Yep, I do, and I’m always looking for drivers. You have any experience driving a tow truck?”

Jimmy pauses for a moment before answering and looks Brub in the eye. “No, not really. I drove some trucks in the army when I was in, but that’s the extent of my experience.”

“What kind of trucks did you drive in the army?” Brub inquires. Jimmy goes on to tell Brub what he drove.

“Our trucks are a bit smaller than what you drove in the army, so that won’t be a problem. What’s on your driving record? Any tickets? Accidents?” Brub questions.

“Nope. Got a spotless record. Nothing in the last three years,” Jimmy states with confidence.

“Well okay, that’s good. The rates on insurance go up for me when my drivers have bad records. Let me tell you what I would like to offer you because I think you would do just fine.”

Brub explains what Jimmy could earn and even mentions that “if you are good, and I mean really good, I just might be looking for a future partner.” Brub gives a nod and wink, then motions the barmaid Judy over and orders another round for them both.

Jimmy’s career in the tow business begins at noon the following Monday. We will learn more in our next episode.

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